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How a Denver Mortgage Company Will Advise You to Improve Your Credit Score

by US Mortgages / January 24, 2023
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Rate: 5.99% 5y fixed rate has APR of 7.04% based on a 700k loan amount with at least 20% equity and requires 760 score and VA eligibility, as of 10.01.2026. FHA also available with slightly higher APR due to mortgage insurance and requires full documentation of income and max debt ratio of 50%. Max loan size for a conventional loan is $832,750 and min loan size is 125k. Eligible loans must meet conventional or FHA/VA requirements. Limited to owner occupied properties only. Not all applicants will qualify. "Lowest Rate for Life" program requires borrowers to maintain good credit and verifiable employment. Loans must be eligible for FNMA, FHLMC or GNMA delivery and all loans require to be underwritten and acceptable by at least one of the federal agencies. On any future loan completed by US Mortgages borrowers will not be charged for any lender fees, including the cost of appraisal up to $600. There is not a limit to the number of loans the borrower can complete under this program, however the interest rate must be reduced by at least 1/2% over their current rate to ensure borrowers receive a net tangible benefit and a minimum of 6 payments must be made on the current loan to be eligible. Purchase Loans and our unique Grant money down payment is limited to owner occupied properties only and buyer must be first time home buyer and not had homeownership within the last 3yrs to be eligible. (first responders can be eligible even if they own a property currently case by case) Borrowers must make at least 12 payments on the loan in order for the Grant Money to be forgiven. Min FICO for Grant Money is 620. Property types (condo, townhome, SFR) are acceptable. 2 unit owner occupied homes are also acceptable. Income restrictions do apply and are limited to 140% of areas average median income. All loans subject to approval and change Equal housing Lender Lic Jordan West Companies Ltd DBA US Mortgages is Licensed in Alabama, Arizona, Colorado, Florida, Idaho, Montana, Oregon, Tennessee, Texas and Washington. Arizona Mortgage Broker License Jordan West Companies Ltd dba US Mortgages License/registration #: MB-2017246 6855 S Havana St Ste 500 Centennial CO 80112. Arizona Branch License License/Registration #: MB-BR-2017248 at 21610 W Hillcrest Blvd., Buckeye AZ 85396 NMLS #392126 Govt ID#25955-00000 NMLS Consumer Access